Merissa Thomas

Servicing VA, MD, IN, DC, and Washington State

Merissa Thomas

My name is Merissa Thomas, Senior Loan Consultant and Vice President of Sales Operations for ARF Financial. For over 12 years, I have been helping business owners like you with their financial needs. Through relationships that I have with several FDIC insured community banks, I am able to provide unsecured working capital loans and lines of credit boasting great rates and fixed terms to facilitate growth and increase the overall profits of your business!

A Local Loan Consultant Gives You the Advantage

It’s my goal to get you approved for the right financial product that best fits your situation. If you have an expansion project, a growth opportunity or need cash flow stabilization, we have the solution. Choose from our no fee line of credit, flex pay loan, working capital loan, or bridge loan.

Contact me today or click the apply now button below and I’ll work hard to get you approved for the funds to help your business thrive.

Product Information

Use our Business Loan Calculator to Find Out How Much You Qualify For:

Business Loan Calculator

Use our loan calculator to determine your potential loan amount:

12 Month Term

18 Month Term

24 Month Term

36 Month Term

Loan amounts may be increased with the review of tax returns and financials. *Must be operating under the same ownership and concept. *2 Home must be in your name. *3 Includes personal and business bankruptcy

See how much you qualify for...GET A FREE QUOTE

Please use any of the contact information provided (via phone, email or text) to discuss my interest in a loan product.

Loan amounts may be increased with with the review of tax returns and financials.

* Must be operating under the same ownership and concept.
*2 Home must be in your name.
*3 Includes personal and business bankruptcy

TERMS AND CONDITIONS

ARF Financial LLC is a direct lender and a third party originator and servicer of commercial loans for state charted community banks throughout the United States (“Partner Banks”), (collectively herein referred to as “Lender”). This Preliminary Loan Amount is based upon pre-underwriting standards consistent with Lender’s guidelines. This Preliminary Loan Amount is based upon the information provided by the Merchant in the Loan Calculator. This approval is contingent upon the accuracy and truthfulness of the information provided by the Merchant therein and on any additional information discovered by Lender during the Underwriting process including but not limited to the review of all financial information provided by the Merchant, the personal credit of any guarantor and/or any information available from the public domain relating to the business’ or the guarantor’s outstanding liens and judgments, collection issues, history of fraud, bankruptcy, or criminal activity; the status of the Merchant’s business entity with the State where they are located; or any other information that may reflect on the business or guarantor’s ability to repay this loan. The terms of this Preliminary Loan Amount may change based upon the review of all information noted above. The terms of this Preliminary Loan Amount (noted above or if modified during the Underwriting process) are not deemed approved until the Merchant agrees to and executes all necessary Loan documents and the Loan documents are countersigned and approved by an Officer of Lender. If Merchant executed no Universal Merchant Credit Application then this Preliminary Loan Amount is for discussion purposes only.